Honda Civic Insurance Rates

Honda Civic insurance rates change from driver to driver, but average insurance rates for a Honda Civic are $1,536 a year for full coverage. This figure is based on a variety of individual factors such as your age, location, and the model year of your car. 

For example, 2005 Honda Civic insurance rates are likely more affordable than 2009 Honda Civic insurance rates.

In order to help you secure an affordable Honda Civic auto insurance policy, we have compiled a lot of helpful information in this guide. Start reading through the information below so you can finally discover the average insurance cost before you buy Honda Civic auto insurance.

You can even start comparing Honda Civic auto insurance quotes from multiple companies by entering your ZIP code into our free tool.

Average auto insurance rates for a Honda Civic are $1,518 annually for full coverage insurance. Comprehensive costs approximately $268, collision insurance costs $630, and liability is $440. Liability-only coverage costs around $510 a year, and high-risk coverage costs around $3,326. Teens receive the highest rates at up to $5,796 a year.

Average premium for full coverage: $1,518

Rate estimates by individual coverage type:

Estimates include $500 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and for different Civic trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on the price of auto insurance. Rural locations tend to have fewer physical damage claims than cities with more traffic congestion. The price range example below illustrates the effect of geographic area on auto insurance prices.

These examples illustrate why anyone shopping for car insurance should compare rates quotes using their specific location and their own personal driving habits, instead of making a decision based on averaged prices.

Use the form below to get customized rates for your location.

Additional Rate Analysis

The chart below illustrates average Honda Civic insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $862
• Raising to $1,000 deductibles will save $202 each year
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,518
• Selecting more expensive low deductibles will cost $1,920
• Drivers with serious driving violations could pay around $3,326
• The cost with full coverage for a 16-year-old driver with full coverage can cost $5,796

View Chart as Image

Car insurance rates for a Honda Civic can also vary considerably based on the trim level of your Civic, your risk profile, and physical damage deductibles and liability limits.

An older driver with no driving violations and high physical damage deductibles may pay as low as $1,400 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged in the ballpark of $5,700 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying anywhere from $1,800 to $2,500 extra per year, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 132% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $610 annually, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $351 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Honda Civic insurance prices. A middle-age driver might find rates as low as $990 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,050 on average in Florida, New York, and Michigan.

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Insurance Rates by Trim Level and Model Year

Rates assume 2023 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Buy Low Cost Honda Civic Insurance

Saving money on insurance for a Honda Civic consists of avoiding accidents and claims, having a good credit score, avoid buying unnecessary coverage, and attention to physical damage deductibles. Take the time to compare rates at least every other year by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The points below are a review of the car insurance concepts covered in the above illustrations.

• Drivers considered higher risk who have several accidents or serious violations could be forced to pay on average $1,810 more per year to insure a Honda Civic
• It is possible to save around $190 per year just by shopping early and online
• Increasing deductibles could save up to $600 each year
• Insureds who purchase increased liability limits will pay approximately $480 annually to raise from a minimum limit to higher 250/500 limits

Now that you have a better understanding of how Honda Civic car insurance rates are determined, the next step is to find out what your policy might look like. Take advantage of our free quote tool below to compare Honda Civic insurance costs from multiple companies.

What are the safety ratings of the Honda Civic?

The safety ratings of the Honda Civic are important to know because positive scores translate to lower insurance rates.

Take a look at the Honda Civic’s crash test ratings as determined by the Insurance Insitute for Highway Safety (IIHS).

• Small overlap front (driver-side): Good
• Small overlap front (passenger-side): Good
• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

These results indicate that the Honda Civic received the highest mark possible in every crash test. That’s very impressive for a small car.

Honda Civic Compared Against Other Vehicles in the Same Class

Since the IIHS classifies the Honda Civic as a small four-door sedan, there is plenty of competition in this vehicle segment. 

Take a look at the following models that are comparable to the Honda Civic to see what average insurance rates look like:

• Nissan Sentra
• Hyundai Elantra
• Toyota Prius

While the preceding three sedans also show favorable insurance rates, the Honda Civic reflects a bodily injury loss percentage of 29 percent and a property damage loss percentage of 11 percent. Both are considered a little above average for this vehicle class. Make sure to ask your provider about to file Honda Civic auto insurance claims in the event of a collision.

We have uncovered a lot of information about the Honda Civic, so is there anything we might’ve missed? If not, start comparing Honda Civic insurance rates from multiple companies by using our free online quote tool.